Phoenix Student Loan Debt Lawyer

With the rising costs of education, student loans are becoming harder to pay off. For Phoenix area residents struggling in this down economy, student loans are generally difficult to discharge in bankruptcy. In order to have a case for discharging your student loans, there must be an "undue hardship". Undue hardship in the bankruptcy context is very different from what normal people consider to be undue hardship. For instance, many people (myself included) would consider having $50,000 or more in student loans and only earning $10 per hour an undue hardship. To the dismay of my Arizona clients, this is not often the case.

Proving Undue Hardship in Bankruptcy

Undue hardship in bankruptcy is very difficult to prove and, essentially, if you have a pulse and can earn money, it will, at the very least, be difficult to be able to include your student loan debt with your other debts that are discharged. However, if you are an individual with a disability that makes you unable to work, there is a better chance that your student loan debt can be discharged in the bankruptcy due to your student loan debt being an undue hardship. This is an area of law where a knowledgeable attorney is essential. Of course, if you are an Arizona resident, you need to consult with an experienced bankruptcy attorney who is licensed in the state of Arizona.

Student Loans in a Chapter 13

Although your student loans may not be dischargeable, a Chapter 13 bankruptcy may still offer a benefit to you if you are behind on your payments. A Chapter 13 bankruptcy can enable you to get caught up on your student loan payments over the course of your plan. This will allow you to be caught up and start fresh once your Chapter 13 plan is completed.

Contact Us to Learn More About Student Loans in Bankruptcy

If you are struggling with student debt, contact a Phoenix bankruptcy attorney to discuss your options. Call us at 480-845-0145 or send us an e-mail, and we will respond promptly. We look forward to meeting with you in a free consultation.

We are a debt relief agency. We help individuals and businesses file for bankruptcy relief under the Bankruptcy Code.

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Use the form below or call us at 602-456-6085 today. We’re here to help.

    Our Locations

    • Phoenix Office – New Wright Law Offices  2999 N. 44th St., Ste 600 Phoenix AZ 85018  Telephone: 602-456-6085 / 866-703-3287 Phoenix Law Office
    • Phoenix Office – Old Wright Law Offices  668 N. 44th St., Ste 320 Phoenix AZ 85008  Telephone: 602-456-6085 / 866-703-3287 Phoenix Law Office
    • Scottsdale Office  Wright Law Offices  7135 East Camelback Road, Ste 230 Scottsdale AZ 85251  Telephone: 480-845-0145 / 866-703-3287 Scottsdale Law Office
    • Tempe Office  Wright Law Offices  2238 S. McClintock Dr. Tempe AZ 85258  Telephone: 480-845-0145 / 866-703-3287 Tempe Law Office
    • Avondale Office Wright Law Offices  12725 W Indian School Rd, Suite E-101 Avondale AZ 85392  Telephone: 623-258-4480 / 866-703-3287 Avondale Law Office
    • Mesa Office Wright Law Offices  4856 E. Baseline Rd. Suite #104 Mesa, AZ 85206 Telephone: 480-845-0145 / 866-703-3287 Mesa Law Office
    • Glendale Office  Wright Law Offices  20325 N. 51st Ave., Suite 134 Glendale, AZ 85308 Telephone: 623-258-4480 / 866-703-3287 Glendale Law Office

    What our clients are saying…

    Mr. Wright and his staff were amazing. They made a negative situation a lot better and turned it into a positive. Could really tell they care helping people and I will refer their Phoenix Bankruptcy Attorney firm to friends and family. Thanks again.
    I called around looking for the right bankruptcy lawyer and came across Benjamin Wright. He personally called me for the consultation seeing how I live in Kingman AZ. He was very helpful from the start and his staff was very friendly and explained any questions I had, sorry for all the questions. I would definitely recommend Wright law offices, and I do!! Thanks for everything, you made what seemed like a hard thing to do simple!! You guys rock!!!
    Great lawyer, he really helped my mother out of a jam. She was totally new to bankruptcy and he talked with us for about an hour and a half to make sure she wouldn’t be worried.
    Ben is a kind and down to earth attorney. He worked around my busy schedule as a single mom (school, full-time job, and daycare pick up and drop off times). He explained absolutely everything to me and was good about e-mailing. I am writing this review as a THANK YOU.
    I had a very positive experience with Attorney Wright. He or his staff returned my e-mails and calls promptly (even after business hours occasionally). His fees were reasonable. He was patient with me when I showed up in court missing an important document. He is aggressive, but fair and nice.